SCHD vs TRTY
SCHD vs TRTY
Schwab US Dividend Equity ETF vs Cambria Trinity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | TRTY | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.46% | |
| AUM | $103.7B | $143M | |
| Dividend Yield | 3.31% | 2.95% | |
| Holdings | 104 | 34 | |
| YTD Return | +24.26% | +8.96% | |
| 1Y Return | +31.38% | +17.62% | |
| 3Y Return (annualized) | +15.08% | +10.21% | |
| 5Y Return (annualized) | +9.72% | +6.24% | |
| Volatility (annualized) | 13.6% | 9.5% | |
| Max Drawdown | -33.4% | -22.3% | |
| Fund Family | Charles Schwab Asset Management | Cambria Investment Management | |
| Category | Equity | Allocation/Balanced | |
| Inception | Oct 20, 2011 | Sep 10, 2018 |
SCHD vs TRTY Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Cambria Trinity ETF (TRTY) is a ETF from Cambria Investment Management. Over the past year SCHD returned +31.38% while TRTY returned +17.62%. Year to date, SCHD is up 24.26% versus a gain of 8.96% for TRTY.
Over three years, SCHD compounded at +15.08% per year against +10.21% for TRTY; over five years the annualized figures are +9.72% and +6.24% respectively. Across the full 8-year window we track, SCHD has the edge at +11.39% annualized vs +5.98%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 9.5% for TRTY. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -33.4% for SCHD and -22.3% for TRTY. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while TRTY charges 0.46%. On a $10,000 position that is $6 vs $46 annually, a gap of $40 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 2.95% for TRTY.
Holdings Overlap
SCHD and TRTY share 0 holdings out of 130 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or TRTY?
SCHD has an expense ratio of 0.06% while TRTY charges 0.46%. SCHD is the cheaper option. On a $10,000 investment, that is $40 per year of difference.
Which performed better, SCHD or TRTY?
Over the past year SCHD returned +31.38% vs +17.62% for TRTY, so SCHD leads on 1-year performance. Over the longest common window we track (8 years), SCHD annualized +11.39% vs +5.98% for TRTY. Past performance does not guarantee future results.
Which is riskier, SCHD or TRTY?
SCHD has been the more volatile fund at 13.6% annualized versus 9.5% for TRTY. Worst drawdown: SCHD -33.4% vs TRTY -22.3%.
Should I hold both SCHD and TRTY?
SCHD and TRTY have a monthly-return correlation of 0.83, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and TRTY?
SCHD and TRTY share 0 common holdings with a 0.0% weight overlap. Combined, they hold 130 unique securities.
Which pays a higher dividend, SCHD or TRTY?
SCHD yields 3.31% while TRTY yields 2.95%, so SCHD currently pays the higher dividend yield.
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